WO2010062278A1 - Système pour fournir des services d’assurance - Google Patents

Système pour fournir des services d’assurance Download PDF

Info

Publication number
WO2010062278A1
WO2010062278A1 PCT/UA2008/000074 UA2008000074W WO2010062278A1 WO 2010062278 A1 WO2010062278 A1 WO 2010062278A1 UA 2008000074 W UA2008000074 W UA 2008000074W WO 2010062278 A1 WO2010062278 A1 WO 2010062278A1
Authority
WO
WIPO (PCT)
Prior art keywords
insurance
insured
objects
liability
limit
Prior art date
Application number
PCT/UA2008/000074
Other languages
English (en)
Russian (ru)
Inventor
Александр Николаевич КОПЫТОВ
Original Assignee
Kopytov Alexander Nykolaevych
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kopytov Alexander Nykolaevych filed Critical Kopytov Alexander Nykolaevych
Publication of WO2010062278A1 publication Critical patent/WO2010062278A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the claimed invention relates to automated systems for the provision of insurance services intended for commercial and management operations, and can be used to calculate and process information data in the implementation of personal, property insurance of individuals and legal entities and insurance of their liability.
  • SUBSTITUTE SHEET (RULE 26) insurance activities differ significantly from the activities of banks, investment companies and other financial institutions, however, interacts closely with them; a significant amount of documents that are executed during registration, maintenance and termination of insurance contracts; the need for prompt decision-making when making insurance claims payments; Confidentiality of information regarding signed contracts and transferred funds.
  • a well-known service delivery system with which the user can request information from a centralized database that includes a central computer (server) and remote terminals (user stations) (“A system for collecting information and / or providing services with which the user can request information from centralized data base ”, US Patent No. 5,339,239, published date 1995). This system has a single database for users and is designed to provide the same type of service related to endowment life insurance.
  • the above systems on the one hand providing policyholders with the opportunity to exchange information with a central database, on the other hand, implement only the traditional (classic) method of insurance.
  • insurance of various objects associated with one insured is carried out separately without interconnection with insurance of other insurance objects.
  • SUBSTITUTE SHEET (RULE 26) the insured, the number of insured events with his participation, but, unfortunately, does not change the approach to the method of insurance.
  • the main objective of the claimed invention is to develop a system for the provision of insurance services, which is based on a new original approach to the insurance process itself, which allows maximum protection of the property interests of the property owner through insurance.
  • the basis of the claimed invention is the postulate of the unity of property interests (which are expressed in monetary terms) and the main principle that it is impossible to insure a country house, car, health, life, working ability, but only property interests related to these objects can be insured (in cash).
  • This principle implements the basic algorithm of the claimed system of insurance services.
  • the policyholder Based on the postulate of the unity of property interests of the policyholder, we offer to sell the policyholder the limit of liability necessary (insurance money), which he can “use” to cover damage associated with any insurance object that he includes in the list of insured.
  • the insurance premium is calculated taking into account the risks of
  • SUBSTITUTE SHEET each insurance object and their relationship with one insured. Also, when calculating the insurance premium, the risk component of each particular insured must be taken into account, since in any insurance case the human factor is at least 70%.
  • the main objective of the claimed invention is to develop a system for the provision of insurance services, which is based on a new original approach to the insurance process itself, which allows to ensure maximum protection of the property interests of the property owner with the help of insurance, reduce the time for execution of an insurance contract, include all objects in the insurance contract, by which the owner intends to receive insurance coverage, determine the insurance premium that the insured must pay, form one th insurance policy, to enable the policyholder to transfer insurance coverage from one insurance object to another insurance object within the limit of liability chosen by the insured.
  • the problem is solved using the system of insurance services, which includes at least one server of the insurer connected by at least one two-way communication channel with at least one station of the insurance manager, which, the station of the insurance manager, is equipped with tools for choosing and / or entering data regarding the insured, for whom heterogeneous insurance objects are selected on the basis of the unity of property interests, and determine a single limit of liability for the selected objects gasping; means of forming a unified insurance policy for all selected insurance objects; means of processing the insured event for any selected insurance objects, including the same insurance objects, repeatedly, with the determination, within the framework of a single liability limit, of insurance compensation paid to the policyholder taking into account the insurance amount for this insurance object and the damage suffered by the policyholder, with a decrease in the unified liability limit by the amount of the paid insurance indemnity with the possibility of further replenishment of the liability limit, while the data on insurance of Tell and his insurance history of the communication channels are transmitted to the insurer server.
  • the presence in the system of technical means namely: at least one server of the insurer connected by at least one two-way communication channel with at least one station of the insurance manager, allows automating the entire process of providing insurance services, i.e. reduce the time necessary for the insured to obtain the necessary insurance coverage.
  • the means for selecting and / or entering data regarding the insured, for whom heterogeneous insurance objects are selected based on the unity of property interests, may be a keyboard, terminal, etc., i.e. standard funds that are expected at any station of the insurance manager.
  • the station of the insurance manager also provides for the availability of software for determining the insurance premium paid by the insurer and funds for determining a single limit of liability for selected insurance objects.
  • the means of forming a unified insurance policy for all selected insurance objects include both software and hardware, including printers, scanners, plotters, etc.
  • software and hardware are provided, which allow to determine, within the framework of a unified liability limit, the amount of insurance compensation paid to the policyholder taking into account the insurance amount for this insurance object and the damage suffered by the policyholder , enter the relevant data regarding the change of the unified liability limit on the server of the insurer associated with the reduction of the unified liability limit by the amount of insurance compensation paid, at any time to replenish the reduced liability limit.
  • a two-way communication channel exchanges data between the station and the server of the insurer. In particular, data on the policyholder and his insurance history are transmitted to the server of the insurer.
  • the policyholder receives a unified insurance policy for all selected insurance objects, i.e. those objects which, in the opinion of the insured, need insurance coverage.
  • the selected liability limit is the total amount of funds without a strict binding to a specific insurance object.
  • the insurance amount for this object has already been exhausted, this does not mean that in the event of a repeated insured event with this object, the policyholder will not be able to receive insurance compensation for this object.
  • the insured will be able to receive insurance compensation for any object that is included in the list defined above, within the framework of a single liability limit, i.e. until the unified liability limit is reached by the policyholder.
  • the policyholder has the opportunity to replenish his liability limit partially or fully.
  • the objects of insurance can be personal insurance objects related to life, health, working ability and additional pension of the insured or insured person, property insurance objects related to the possession, use and disposal of property and objects of liability insurance related to reimbursement by the insured of losses incurred by him. to an individual or his property, as well as losses incurred to a legal entity.
  • the software that is part of the insurance service delivery system also includes an original methodology for calculating the insurance premium, which takes into account all the necessary factors.
  • FIG. 1 is a diagram of an algorithm that sets the sequence of actions of the policyholder.
  • FIG. 2 is a diagram of an algorithm for providing insurance services.
  • the proposed system of providing insurance services for heterogeneous objects based on the unity of property interests allows us to get rid of the above disadvantages of methods and systems known from the prior art, and to increase the efficiency of the provision of insurance services.
  • the system of providing insurance services operates as follows.
  • the server of the insurer is a common data bank accessed through the station of the insurance manager through a two-way communication channel.
  • the insurance manager station is equipped with tools for selecting and / or entering data regarding the insured, for whom dissimilar insurance objects are selected on the basis of the unity of property interests, and a single liability limit for the selected insurance objects is determined.
  • the means for selecting and / or entering data regarding the insured, for whom heterogeneous insurance objects are selected based on the unity of property interests, may be a keyboard, terminal, etc., i.e. standard funds that are expected at any station of the insurance manager.
  • the station of the insurance manager also provides for the availability of software for determining the insurance premium paid by the insurer and funds for determining a single limit of liability for selected insurance objects.
  • the means for creating a single insurance policy for all selected insurance objects include both software and hardware, including printers, scanners, plotters, etc.
  • SUBSTITUTE SHEET (RULE 26) processing an insured event with any selected insurance object, the availability of software and hardware is provided allowing to determine, within the framework of a single limit of liability, the amount of insurance compensation paid to the insured taking into account the insurance amount for this insurance object and the loss incurred by the insurer, to enter the relevant data on the changes to the unified information on the server of the insurer limit of liability associated with a decrease in the single limit of liability by the amount of insurance paid in zmescheniya, at any time to replenish the reduced limit of liability.
  • a two-way communication channel exchanges data between the station and the server of the insurer. In particular, data on the policyholder and his insurance history are transmitted to the server of the insurer.
  • the policyholder receives a unified insurance policy for all selected insurance objects, i.e. those objects which, in the opinion of the insured, need insurance coverage.
  • the insurer sells to the insured the uniform liability limit it needs (insurance money), which the insurer can “spend” to cover damage to any property included in the list of insurance objects by the insured.
  • the insured in the event of an insured event with any insurance object, receives an insurance indemnity that is not less than the amount that the insured could receive in the case of traditional or classic insurance.
  • SUBSTITUTE SHEET (RULE 26)
  • the table above shows the classic insurance data, in which the total liability limit is equal to the sum of all insurance amounts for each selected insurance object, and the size of the insurance premium paid by the insurer is 22,900.00.
  • the insured has the opportunity to independently choose the size of a single liability limit, because the size of the insurance premium will depend only on the size of the liability limit.
  • the size of the insurance premium will be 21898.00. It should be noted that insurance according to the claimed system does not increase insurance risks and does not reduce profitability.
  • the generalized insurance tariff OST of the aggregate of insurance objects will be determined as follows:
  • Liability limit 1000000.00
  • insurance premium 18270.00
  • Liability limit 500,000.00
  • insurance premium 14659.00
  • Liability limit 250,000.00
  • insurance premium 11025 , 00 Example 2.
  • the policyholder plans to insure a personal car and for this saves the necessary amount of money for insurance. We assume that the insurer can allocate no more than 3,000.00 from the family budget.
  • the liability limit will be 50,000.00
  • the insurance premium (with the classical method of insurance with a tariff of 6.00%) will be 3,000.00, i.e. the policyholder will receive an insurance policy for his car for the desired 3,000.00. But, at the same time, the insured does not have enough money to insure other property, i.e. property, such as an apartment, will remain uninsured in this case.
  • the system of providing insurance services according to the invention provides the policyholder with the opportunity within the selected budget to insure not only a car, but also, for example, his apartment.
  • the price of the apartment is 80,000.00 (the typical tariff for such facilities is 2%), while the policyholder chooses a single liability limit of 40,000.00.
  • the policyholder chooses a single liability limit of 40,000.00.
  • he receives an insurance policy for a car and an apartment, while paying an insurance premium in the amount of 3035.00.
  • the algorithm for calculating the insurance premium coincides with the algorithm shown in Example 1.

Abstract

L’invention concerne un système pour fournir des services d’assurances qui comprend le serveur de l’assureur, qui est relié par un canal de communications duplex au poste d’un gestionnaire des assurances, ledit poste étant équipé de moyens techniques d’entrée / de sortie de données par rapport à l’assureur pour lequel on sélectionne de différents objets de l’assurance en fonction des intérêts communs relatifs à la propriété, et l’on détermine une limite de responsabilités commune pour les objets de l’assurance choisis; le poste du gestionnaire des assurances est aussi équipé de moyens techniques de traitement d’un sinistre pour n’importe lequel des objets de l’assurance choisis, y compris ceux d’une réassurance. La limite générale des responsabilités en termes d’une compensation pécuniaire est déterminée, cette somme étant versée à l’assuré en tenant compte de la somme assurée relative à l’objet de l’assurance et des dommages subis par l’assuré, la limite générale étant réduite pour un montant équivalent à la compensation payée. La limite des responsabilités peut être augmentée par la suite, et les données relatives à l’assuré et à son historique sont transmises au serveur via des lignes de communication.
PCT/UA2008/000074 2008-11-25 2008-12-23 Système pour fournir des services d’assurance WO2010062278A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
UA2008013589 2008-11-25
UAA200813589 2008-11-25

Publications (1)

Publication Number Publication Date
WO2010062278A1 true WO2010062278A1 (fr) 2010-06-03

Family

ID=42225938

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/UA2008/000074 WO2010062278A1 (fr) 2008-11-25 2008-12-23 Système pour fournir des services d’assurance

Country Status (1)

Country Link
WO (1) WO2010062278A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5339239A (en) * 1989-10-13 1994-08-16 Mitsubishi Plastics Industries Limited Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal
RU2117327C1 (ru) * 1997-11-05 1998-08-10 Закрытое акционерное общество "Русское страховое общество "Помощь" Система предоставления страховых услуг
RU2213994C1 (ru) * 2002-11-22 2003-10-10 Закрытое акционерное общество "КОМИТА" Способ заключения юридически значимой электронной сделки
WO2007141696A2 (fr) * 2006-06-06 2007-12-13 Discovery Holdings Limited Système et procédé de gestion d'un régime d'assurance

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5339239A (en) * 1989-10-13 1994-08-16 Mitsubishi Plastics Industries Limited Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal
RU2117327C1 (ru) * 1997-11-05 1998-08-10 Закрытое акционерное общество "Русское страховое общество "Помощь" Система предоставления страховых услуг
RU2213994C1 (ru) * 2002-11-22 2003-10-10 Закрытое акционерное общество "КОМИТА" Способ заключения юридически значимой электронной сделки
WO2007141696A2 (fr) * 2006-06-06 2007-12-13 Discovery Holdings Limited Système et procédé de gestion d'un régime d'assurance

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
FIGURNOV V.E.: "IBM PC dlya polzovatelya", 7-E IZDANIE PERERABOTANNOE I DOPOLNENNOE, 1997, MOSCOW, pages 31 *

Similar Documents

Publication Publication Date Title
JP7314169B2 (ja) 不動産の融資、サービス、およびレポートのリアルータイムの動的管理のための方法および金融商品
US8239222B2 (en) Virtual share exchange apparatus and method
US20040083145A1 (en) Method and system for processing tax reporting data
US20050108066A1 (en) Property/casualty insurance and techniques
US20080288298A1 (en) Method and system for providing low-cost life insurance
US8762253B2 (en) Method and system for pooling, securitizing, and trading global dividend and interest tax reclaim assets
WO2004097588A2 (fr) Emprunt sur actifs et securisation des interets du pret
Huang A New Options Theory for Risk Multipliers of Attorney's Fees in Federal Civil Rights Litigation
US20060271412A1 (en) Healthcare transaction system and method for automated healthcare claim resolution and workflow management
US20160196397A1 (en) System and method for active and group sharing of medical and casualty expenses
Horn et al. Private flood insurance and the national flood insurance program
Kaigorodova et al. Digitalization of the insurance business: Systematization of net effects through the example of Russia
Jackson et al. Comparing the pre-settlement risk implications of alternative clearing arrangements
Tinker et al. Dishonored contracts: Accounting and the expropriation of employee pension wealth
Feinman The regulation of insurance claim practices
US8234206B1 (en) Method and system for pooling, securitizing, and trading global dividend and interest tax reclaim assets
WO2010062278A1 (fr) Système pour fournir des services d’assurance
Hanewald et al. The Home Stretch: Accessing Home Value to Fund Long-Term Care
Getter The Credit Union System: Developments in Lending and Prudential Risk Management
Hirshfeld Provider sponsored organizations and provider service networks—rationale and regulation
KR20090001646A (ko) 변동형 대출에 연계하여 고정 금리로 파생시킨 이자율 스왑처리 방법 및 시스템
Sidak Acquisitions by partially privatized firms: the case of Deutsche Telekom and VoiceStream
KR100694325B1 (ko) 금융상품에 대한 진단시스템과 그 방법 및 그 기록매체
WO2023120063A1 (fr) Procédé de traitement d'informations, programme et dispositif de traitement d'informations
US20230360126A1 (en) Establishing a contingent action token

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 08878493

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 08878493

Country of ref document: EP

Kind code of ref document: A1